Inter & Co. Inc. Class A Common Shares (INTR)vsItau Unibanco Banco Holding SA (ITUB)
INTR
Inter & Co. Inc. Class A Common Shares
$5.49
-0.36%
FINANCIAL SERVICES · Cap: $2.33B
ITUB
Itau Unibanco Banco Holding SA
$8.13
-0.08%
FINANCIAL SERVICES · Cap: $90.71B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 2086% more annual revenue ($138.19B vs $6.32B). ITUB leads profitability with a 33.3% profit margin vs 22.5%. INTR trades at a lower P/E of 8.5x. INTR earns a higher WallStSmart Score of 77/100 (B+).
INTR
Strong Buy77
out of 100
Grade: B+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 23 of every $100 in revenue as profit
Strong operational efficiency at 29.9%
Revenue surging 25.3% year-over-year
Earnings expanding 36.9% YoY
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : INTR
The strongest argument for INTR centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 22.5% and operating margin at 29.9%. Revenue growth of 25.3% demonstrates continued momentum.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 33.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : INTR
The primary concerns for INTR are Debt/Equity. Debt-to-equity of 3.10 is elevated, increasing financial risk.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
INTR profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
INTR carries more volatility with a beta of 0.92 — expect wider price swings.
INTR is growing revenue faster at 25.3% — sustainability is the question.
INTR generates stronger free cash flow (314M), providing more financial flexibility.
Bottom Line
INTR scores higher overall (77/100 vs 74/100), backed by strong 22.5% margins and 25.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Inter & Co. Inc. Class A Common Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Inter & Co. Inc. (ticker: INTR) is a leading financial services firm in Brazil, recognized for its innovative approach to retail and investment banking as well as wealth management. The company focuses on financial inclusion by leveraging advanced technology to enhance customer experiences and expand access to banking services for underserved populations. With its commitment to digital transformation and a strategic emphasis on operational efficiency, Inter & Co. is poised to seize growth opportunities within Brazil's dynamic financial landscape, making it an attractive prospect for institutional investors aiming for exposure in emerging markets.
Visit Website →Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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